RETP Luxury Living Program

When RETP represents you in a transaction, either as a buyer or a seller, or facilitates both sides of a
transaction, we limit our commission with the seller. For the seller, they can save thousands that would be
lost to a traditional listing agent. For the buyer, it can mean a reduction in the price of the home equal to the
amount that the seller saves on the buyer side commission. A lower price means a quicker sale without harming the seller’s bottom line.

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Have you reviewed your phone situation lately? Consider one or all of these options to save hundreds of dollars a year: ● Eliminate your landline. First, study your phone bill to see if you’re paying for extras (like caller ID) you may not need. If you

You may have heard (or hoped) that chocolate is good for you. It’s true, if you eat the right kind. Studies show that eating small amounts (7 ounces a week) of high-quality dark chocolate has health benefits. But it has to contain at least 70% cacao and

Seven Common Mortgage- Shopping Mistakes Buying a home is one of the biggest decisions you can make, and it’s likely the largest purchase you will ever make. So it’s no surprise that there are multiple ways you can trip up. Getting a mortgage is about

Is the Dream of Home- Ownership Just a Dream? The “renter’s nation” is increasingly being used by pundits to describe the US housing market. If you go to the source, middle-class Americans, you’ll get a different story. Despite what you may hear, t

The Simple Warranty by Residential Warranty Services represents the broadest coverage available in the market today. All options are included, no known preexisting conditions and we offer a best coverage guarantee.

Check out our exclusive SIMPLE policy that covers 75% of the items specifically excluded by our competition! It also has no pre-existing conditions with a home inspection and the option to choose your own contractor!

When RETP represents you in a transaction, either as a buyer or a seller, or facilitates both sides of a
transaction, we limit our commission with the seller. For the seller, they can save thousands that would be
lost to a traditional listing agent. For the buyer, it can mean a reduction in the price of the home equal to the
amount that the seller saves on the buyer side commission. A lower price means a quicker sale without harming the seller’s bottom line.

When RETP represents you in a transaction, either as a buyer or a seller, or facilitates both sides of a
transaction, we limit our commission with the seller. For the seller, they can save thousands that would be
lost to a traditional listing agent. For the buyer, it can mean a reduction in the price of the home equal to the
amount that the seller saves on the buyer side commission. A lower price means a quicker sale without harming the seller’s bottom line.

3 Places To Never Use Your Debit Card Debit cards help keep your spending in check because you can only spend as much as you have in your account, but they can also be risky to use. Here are three places where you shouldn’t use your debit card:  Online pur- chases. Your debit card num- ber can be sto- len at many points, and you may not know you’ve been hacked for weeks.  At pay-at-the-pump gas stations and ATM machines not operated by a bank . These terminals are vulnerable to being outfitted with illegal “skimming” devices that can capture your information.  On big-ticket items. Most credit cards offer extended warranties on Debit cards help keep spending in check, but they can also be risky to use. limited to $50, without a time limit on reporting the problem. Many credit card issuers will waive the charge if you ask. If your debit card is missing and you call your bank within two business days, your losses from fraudulent charges are limited to $50. How- ever, if you wait to tell your bank about a lost or stolen debit card, you could be responsible for up to $500. What’s more, if you don’t report the fraudulent withdrawal on your statement within 60 days, you’re liable for an unlimited amount. If you’d rather use a debit card, you should always review your bank statements and ask about your bank’s fraud liability protec- tion program. Some banks (such as Bank of America) offer addi- tional protection, including adding your photo to your debit card to prevent others from using it. merchandise if there’s something wrong after the manufacturer’s normal war- ranty period. Credit cards can still be lost or stolen, but they have two main advan- tages over debit cards: First, credit cards have an extra layer of de- fense because the money isn’t taken di- rectly out of your bank account. If someone steals your debit card, you may not be able to pay bills, which also can affect your credit score. But fraudulent charges on a credit card can be disputed before the money is taken out of your bank account. Second, under federal law, your losses from unauthorized charges on your credit card are “Credit cards can still be lost or stolen, but they have two main advantages over debit cards…. FREE Consumer Help Is Just A Phone Call Away! Learn valuable secrets for saving thousands and avoiding costly mistakes when buying, selling or refinancing a home. Best of all, it’s FREE. Ask about our “Insider’s Free Resources” by calling our FREE 24-hour information line at 1-800-579-1377 ext. 5027. Popular Diet Myths Exposed You may be depriving your body of the energy and nutrients you need because you believe these diet myths : Myth #1: Cut back on the meat in your sand- wiches . The problem isn’t the protein – it’s the carbs. Try eating one slice of bread (or no bread) and adding vegeta- bles to the meat to cut carbs and calories. Myth #2: The less fat you eat the better. Your body needs fats, but eat them in the form of nuts, seeds, and fish. Limit or avoid satu- rated and trans fats found in butter, high-fat dairy, and processed foods. Myth #3: To lose weight, just cut calories. Mortgage Matters... with Adam Huddle The best way to lose weight is to cut calories while still eating the same amount of nutritious food and increasing physical activity. Eat foods that fill you up with fiber and pro- tein instead of calories. For example, substitute higher- calorie ingredients (such as noodles) with lower-calorie fruits and vegetables (like a cup of broccoli). Loan Programs Conventional - 5% down No up-front MIP fee (like the 1.75% charged by FHA) Interest rates are credit score dependent 5% down = .54 PMI factor (or lower) 10% down – No PMI programs - 1.37% 1-time payment financed FHA 3.5% down - $310,500 max loan amount 1.75% up-front MIP (can be financed) At 96.5% LTV = 1.35 monthly MIP factor No credit score rate adjusters down to 660 80-10-10 No PMI 80% Conventional 1st mtg + HELOC Jumbo and Jumbo Splits Jumbo - 20% down minimum Jumbo Split = $417,000 con- ventional 1st, balance on a HELOC – 10% down min OHFA 1% down First time Homebuyer (no tax deducted interest for 3 years) 2.5% Down payment assis- tance grant Income limitations ($68,900 in Franklin County) USDA/Rural 100% Financing – .4 PMI Fac- tor 2% up-front USDA fee (can be financed) Income limitations ($78,900 max household income for Franklin Co.) DTI max: 41% Property must be in a rural area: http:// eligibility.sc.egov.usda.gov/ eligibility/eligibilityAction.do FNMA Homepath 5% down – No PMI – No ap- praisal Fannie Mae owned properties Eligibility: www.homepath.com 15% down for investment prop- erties